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City · 10,937 residents · Contra Costa County, California

Clayton , California

In Clayton, a typical home is worth $1,055,200 and typical rent is $3,501 a month. Compared with all of Contra Costa County, typical rent is 47% higher, typical household income is 38% higher, and the share of households that own their home is 21 points higher.

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  • Typical home value

    $1,055,200

    22% above the county

    44% above California

    • Clayton
    • Contra Costa
    • California

  • Typical rent

    $3,501a month

    47% above the county

    72% above California

    • Clayton
    • Contra Costa
    • California

  • Typical household income

    $175,707a year

    38% above the county

    77% above California

    • Clayton
    • Contra Costa
    • California

  • Households that own their home

    89%

    21 points above the county

    33 points above California

    • Clayton
    • Contra Costa
    • California

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$1,026,888
1.8% more than 12 months ago
Typical rent
$4,985 a month

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Clayton is in Contra Costa County. The FHA loan limit ($1,249,125 for a one-unit home), the fair market rents and the help on this page are those of all of Contra Costa County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Clayton apart

What this place has that others do not, from public data, most unusual first.

  1. Clayton has the highest typical rent of the 648 cities in California with more than 5,000 people: $3,501.

  2. Nearby, in Bay Point, the typical home value is $525,000: 50% less than in Clayton ($1,055,200).

  3. Clayton has the 19th largest share of rent-burdened renters of the 616 cities in California with more than 5,000 people (74%).

  4. 89% of households in Clayton own their home, against 68% in Contra Costa County.

  5. Nearby, in Bay Point, the typical rent is $2,063: 41% less than in Clayton ($3,501).

  6. The typical household income in Clayton is $175,707, 38% more than in Contra Costa County as a whole ($127,229).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Clayton

What homes there are in Clayton, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Clayton, 9 in 10 homes are single-family detached houses; in Contra Costa County, 7.

Year built

Homes in Clayton are newer: the typical year built is 1983; in Contra Costa County, 1978.

In Clayton, 92% of homes have 3 bedrooms or more, more than in Contra Costa County (67%).

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$3,693 a month

Contra Costa County: $3,435 a month

Without a mortgage

$1,243 a month

Contra Costa County: $1,009 a month

Owners with a mortgage

76%

Contra Costa County: 71%

The typical cost for an owner with a mortgage in Clayton is $3,693 a month, more than in Contra Costa County ($3,435); without one, $1,243.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Clayton rose 37% since 2015–2019, about the same as in Contra Costa County (39%).

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureClaytonContra Costa CountyCaliforniaUnited States
Rental vacancy Unreliable estimate2.8%4.2%5.5%
Homeowner vacancy Unreliable estimate0.7%0.8%0.9%
More than one person per room Unreliable estimate5.4%8.2%3.4%
People per household 2.742.782.842.53
Drive alone 65%60%66%69%
Carpool 7%10%10%9%
Public transit Unreliable estimate5%3%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 22%21%17%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

By size, households in Clayton look like those in Contra Costa County: 2.74 people on average.

To get to work, 65% of workers in Clayton drive alone; in Contra Costa County, 60%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Clayton?

A typical home costs more than the typical income allows

We start with a typical home in Clayton, worth $1,055,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 60% of the typical household income in Clayton, which is $175,707 a year. For that payment to be 28% of income, a household would need to earn about $377,827 a year.

The calculator's FHA and conventional loan limits are those of all of Contra Costa County.

Your numbers

Local data
$

Starts at the typical home value in Clayton. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $36,932 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$8,816

at 7.18% · 30 years

Loan amount
$1,036,088
Total interest
$1,490,687
Paid off in
November 2056

Includes $17,820 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $4,100 a month

  • Tight

    $4,100 to $5,271 a month

  • Hard

    more than $5,271 a month

    Your payment · 60%

Compared with the typical household income in Clayton ($175,707 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$8,816
Principal & interest$7,019
Property tax$721
Home insurance$440
FHA mortgage insurance (MIP)$636

You need at least $36,932 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Clayton and Contra Costa County

Clayton is in Contra Costa County, California. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Clayton's own numbers

Typical home value
$1,055,200
Typical monthly rent
$3,501
Typical yearly household income
$175,707
Households that own their home
89%
Effective property tax rate
0.82%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Contra Costa County

FHA limit, one-unit home
$1,249,125
Conventional limit, one unit
$1,249,125
HUD fair market rent, 2 bedrooms
$2,805
Price change over 5 years (FHFA)
+31%
Homes in a high flood-risk zone
2.3%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Contra Costa County.

Everything about Contra Costa County

Buying

Buying a home in Clayton

A typical home in Clayton is worth $1,055,200: 22% above the county and 44% above California. With the typical household income in Clayton ($175,707 a year), a typical home costs 6.0 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Clayton 6.0 years
  • Contra Costa 6.8 years
  • California 7.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Contra Costa County

According to FHFA’s house price index, home prices in Contra Costa County rose 71% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Contra Costa County.

Period County California U.S.
Last year (2025) −0.0% +0.8% +2.9%
5 years (2020–2025) +31% +40% +47%
10 years (2015–2025) +71% +80% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Clayton next to Contra Costa County, California and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Clayton $1,055,200
  • Contra Costa $866,800
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Clayton $3,501
  • Contra Costa $2,375
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Clayton $175,707
  • Contra Costa $127,229
  • California $99,122
  • United States $80,734
See the full table
Clayton next to Contra Costa County and California
Measure Clayton Contra Costa County California U.S.
Typical home value $1,055,200 $866,800 $734,700 $332,700
Typical monthly rent $3,501 $2,375 $2,036 $1,413
Typical yearly household income $175,707 $127,229 $99,122 $80,734
Households that own their home 89% 68% 56% 65%
Typical yearly property tax $8,694 $7,156 $5,124 $3,119
Effective property tax rate 0.82% 0.83% 0.7% 0.94%
Renters with high rent for their income 74% 56% 55% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Contra Costa County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Clayton

For a typical $1,055,200 home in Clayton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Clayton's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $8,816a month

    Least cash to close
    Down payment
    $36,932
    Cash to close
    $68,588
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $636

  • Conventional, 5% down $8,453a month

    Down payment
    $52,760
    Cash to close
    $84,416
    Rate
    7.18%
    Mortgage insurance
    PMI · $501

  • Conventional, 20% down, no PMI $6,879a month

    Down payment
    $211,040
    Cash to close
    $242,696
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $7,855a month

    Down payment
    $158,280
    Cash to close
    $189,936
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Clayton and for Contra Costa County.

Property tax

Effective rate in Clayton

0.82%of the home’s value each year

$8,694 a year for the typical owner in Clayton.

  • Clayton 0.82%
  • Contra Costa 0.83%
  • California 0.7%

What California publishes Homeowners' exemption (California State Board of Equalization (BOE))

Exemptions and deadlines in California

Flood risk in Contra Costa County

FEMA does not publish these numbers by city: they are for all of Contra Costa County.

Homes in the high-risk zone
2.3%
7,128
Of those, with NFIP insurance
28%
County California U.S.
Homes in the high-risk zone 2.3% 2.8% 3.5%
Of those, with NFIP insurance 28% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Clayton

Typical rent in Clayton is $3,501 a month: 47% above the county. In Clayton, 74% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Contra Costa County, by unit size. To pay the 2-bedroom one ($2,805 a month) without spending more than 30% of your income, you would need to earn $53.94 an hour working full time.

HUD fair market rent for all of Contra Costa County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $2,088 $40.15 $83,520
1 bedroom $2,290 $44.04 $91,600
2 bedrooms $2,805 $53.94 $112,200
3 bedrooms $3,592 $69.08 $143,680
4 bedrooms $4,250 $81.73 $170,000

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Clayton

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Clayton is in ZIP code 94517.

For 2 bedrooms it is $3,260: $455 more than the fair market rent for Contra Costa County ($2,805).

  • 94517 $3,260$4,170

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Clayton when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Clayton

HUD lists 2 buildings with rents for lower incomes in Clayton. These are the largest.

  • Diamond Terrace Apts (CLAYTON) 6401 Center St, Clayton 94517 86 homes, 64 low-income · 1 bd: 52 · 2 bd: 14 · In service since 2002 · For older adults
  • Kirker Court 1732 Kirker Pass Rd, Clayton 94517 20 low-income homes · For people with disabilities (925) 673-9557

See all 170 buildings in Contra Costa County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Clayton

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 4 HUD-approved agencies with an office in Contra Costa County; 2 say they serve in Spanish.

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Clayton

No down payment, repair or rent-help program on our list is for Clayton or Contra Costa County. The ones below are statewide in California: they work in Clayton the same as in the rest of the state.

Which programs do I qualify for? All programs in California

  • MyHome Assistance Program

    Statewide in California

    CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers in California. Offered by California Housing Finance Agency (CalHFA).

    Deferred

    See the program Official page

  • California Dream For All Shared Appreciation Loan

    Statewide in California

    Closed, per the source

    CalHFA down payment loan for first-generation buyers in California; when you sell, you repay the loan plus a share of the home's appreciation. Offered by California Housing Finance Agency (CalHFA).

    Shared appreciation

    See the program Official page

  • MyAccess Program

    Statewide in California

    CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers who use the CalPLUS Access mortgage (FHA or conventional). Offered by California Housing Finance Agency (CalHFA).

    Deferred

    See the program Official page

Housing counselors near Clayton

The HUD-approved agencies closest to the center of Clayton, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Balance

    2950 Buskirk Ave, Walnut Creek · 7 miles away · Spanish

    Also serves in Cantonese, Mandarin Chinese, other languages, and Russian.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (800) 777-7526

  • Balance - Concord

    2950 Buskirk Ave, Walnut Creek · 7 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (800) 777-7526

  • NSC (naca Counseling Subsidiary) - Oakland, CA

    3801-3805 Broadway, Oakland · 20 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (510) 652-6622

Every agency in Contra Costa County All counseling agencies in California

Help in Spanish near Clayton

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Clayton

In HUD’s record, no housing authority with an office in Contra Costa County is named for Clayton or Contra Costa County.

3 other authorities have an office in Contra Costa County: see the list Source: HUD

Cities

Other cities in Contra Costa County

These cities are also in Contra Costa County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Contra Costa County Housing in California
See 16 more cities in Contra Costa County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Clayton, with the typical home value.

Neighboring counties

If Contra Costa County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Clayton.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Clayton

Short answers with the numbers for Clayton and all of Contra Costa County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Clayton?

The typical home value in Clayton is $1,055,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Contra Costa County it is $866,800.

How much does it cost to rent in Clayton?

Typical rent in Clayton is $3,501 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Contra Costa County is $2,805.

What is the FHA loan limit in Clayton?

Clayton uses the FHA limit for all of Contra Costa County (2026): $1,249,125 for a one-unit home and $2,402,625 for a four-unit home.

How much property tax do owners pay in Clayton?

The typical homeowner in Clayton pays $8,694 a year, according to the U.S. Census Bureau. That is 0.82% of the home’s value; in Contra Costa County, the rate is 0.83%.

Where can I find free help to buy or rent in Clayton?

There are 4 HUD-approved counseling agencies with an office in Contra Costa County. 2 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).